Dental insurance prompt-pay laws by state

Where the statute text differs from the usual summary

• •Texas: Dental benefits are excluded from the tiered-penalty clean-claim chapter every billing article quotes, and a dental PPO or indemnity claim billed by the dentist has no Texas provider deadline at all. Dental HMOs keep the tiers — but the day-91 18% interest is paid to the Texas Health Insurance Risk Pool, not to the dentist.
• •District of Columbia: Stand-alone dental insurance is outside the prompt-pay chapter entirely, so none of its deadlines or tiered interest apply.
• •Vermont: The prompt-pay section says in terms that it does not apply to stand-alone dental plans licensed in Vermont.
• •Oregon: Dental-only coverage is excluded from the 30-day rule today. Stand-alone dental plans get their own 45-day deadline on January 1, 2028.
• •North Dakota: There is no late-payment interest at all — the 1.5% a month often quoted appears nowhere in the statute, the chapter, or the rules.
• •South Dakota: No interest provision either, and the statute says expressly that it grants no private right of action.
• •Georgia: The 18% interest still circulating online was cut to 12% by the 2011 act — but that section took effect January 1, 2013, and the same act left the 15-working-day electronic clock alone.
• •New Jersey: There is no single New Jersey dental rate. Entity type picks it: 10% a year from a dental plan organization or dental service corporation, 12% from a dental plan written by an insurance company, health service corporation, or medical service corporation.
• •Indiana: The rate is not in the statute and no current one is published — the Department of Insurance has announced none since 2019, so confirm the year's rate with IDOI rather than quoting a figure.
• •Oklahoma: Overdue payments bear 10% simple interest per year, not the 15% that circulates.
• •Wisconsin: The rate is 7.5% simple per year; the 12% in older references was superseded in 2017.
• •Nevada: 10% per annum for claims submitted on or after January 1, 2026 — the prime-plus-6 rate, and the old HMO section, are repealed.
• •California: Insurers owe 15% per annum, not 10%, and the move to 30 calendar days for everyone is finished, not pending.
• •Missouri: Paper claims get no prompt-pay protection at all — the statute reaches electronically filed claims only.
• •Wyoming: The 10% and the attorney's fee come only from a court judgment finding the refusal unreasonable or without cause — missing the 45-day deadline starts nothing.
• •Washington: The standard is 95% of monthly clean-claim volume in 30 days, not a per-claim deadline, and interest attaches only past 61 days.
• •Arkansas: Pay-or-deny is due at 30 or 45 days, but the 12% penalty period does not begin until the 61st day after receipt.
• •West Virginia: Interest accrues after the 40-day mark even on electronic claims, which are due in 30.
• •Kentucky: Dental-only plans are covered through a dedicated bridge statute, with 12/18/21% tiered interest set by how late the payment lands.

Every state and the District of Columbia

Each deadline, rate, and dental-applicability verdict comes from the statute or regulation text on the official host. Each state page cites and links its statute.

All fifty states and the District of Columbia are listed, each read against its own statute or regulation text on the date shown. U.S. territories are not covered yet — their absence here means "not checked yet," not "no rule exists."